Thai Housing Bank Disburses 123 Billion Baht in First Half
Thailand's Government Housing Bank disbursed 123 billion baht in new loans during the first half of 2025, a 14.85% increase year-over-year, with over half going to low- and middle-income borrowers seeking homes under 3 million baht.
The Government Housing Bank (GHB) has exceeded 123 billion baht in new loan disbursements during the first half of 2025 (January–June), covering 114,184 customer accounts, according to Managing Director Mahattana Ampornpisit. The figure represents a 14.85% increase compared to the same period last year and accounts for 49.90% of the bank's 246.8 billion baht annual target. These new loans primarily serve low- and middle-income earners with loan amounts not exceeding 3 million baht, totaling 58,685 accounts and marking a 7.39% increase. The bank's non-performing loan ratio stands at 5.54%, with provisions against doubtful debts at 150.76% of NPL and a capital adequacy ratio (BIS Ratio) of 15.47%, well above the central bank's minimum requirement of 8.50%.
As of end-2024, the GHB's total outstanding loans reached 1.93 trillion baht, up 2.14%, with total assets of 2.10 trillion baht (up 4.41%) and total deposits of 1.85 trillion baht (up 5.10%). The bank has successfully helped over 1.01 million customers, or 80.68% of those in its income-support programs, restructure their debts and maintain their homes. For the second half of 2025, the GHB plans to leverage digital technology, artificial intelligence, and real estate data to enhance service delivery under its "Beyond Housing Bank" concept, including five strategic pillars: supporting clean energy transition through green loans with preferential rates for energy-efficient homes; introducing flexible lending strategies tailored to customer segments; and expanding sustainable housing finance options such as solar roof financing, which already generated 8.54 billion baht (40.65% of target) in the first half.
